93023 — Ventura County, California Market Snapshot
Housing market data for zip code 93023 in Ventura County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$1,369,000
Days to Sell
51
Homes Sold
64
Inventory
69
Sale-to-List
98.7%
New Listings
88
Price/SqFt
$770
Pending Sales
75
Jumbo Loan Likely Needed
The median home in 93023 at $1,369,000 exceeds the 2026 conforming loan limit of $1,035,000 by $334,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
93023's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 93023 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93023 at $1,369,000 exceeds the 2026 conforming loan limit of $1,035,000 by $334,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 93023 are set at the county level.
2026 Loan Limits — Ventura County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,035,000 | $1,035,000 |
| 2 Units | $1,325,000 | $1,325,000 |
| 3 Units | $1,601,600 | $1,601,600 |
| 4 Units | $1,990,450 | $1,990,450 |
Affordability Snapshot — Zip 93023
To purchase the median home at $1,369,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,639.
Monthly Payment
$10,639
Income Required
$455,950
Principal & Interest
$8,435/mo
Down Payment (5%)
$68,450
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 93023.
Estimated Monthly Payment
$8,622
Jumbo loan required. Loan amount exceeds the $1,035,000 conforming limit for 93023.
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